| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL D. WALSH BENEFITS3 | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $33K | $17K | $50K | 2.89% |
| PAUL D. WALSH BENEFITS3 | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC | $6K | $3K | $9K | 2.90% |
| MARK T DUFFY & ASSOC3 | PO BOX 654 NEPTUNE, PA 07754 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.76% |
| DUFFY LIVINGSTON LLC3 | 200 ALTANTIC AVE STE E MANAQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.12% |
| DUFFY LIVINGSTON LLC3 | 200 ATLANTIC AVE STE E MANASQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.85% |
| MARK PELLECCHIA3 Filed as: MARK DUFFY | 200 ATLANTIC AVE MANASQUAN, NJ 087361352 | VISION SERVICE PLAN | $884 | — | $884 | 6.42% |
| DUFFY LIVINGSTON LLC3 | 200 ATLANTIC AVE STE E MANASQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.39% |
| DUFFY LIVINGSTON LLC3 | 200 ATLANTIC AVE STE E MANASQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $312 | — | $312 | 15.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 128 | $1.7M |
| Vision | VISION SERVICE PLAN | 125 | $14K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $34K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $32K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $29K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 116 | $311K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.